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Savings template. Personal expenses spreadsheet for all your expenses as they occur. Excel works out exact amounts of essential/non essential expenses, the monthly savings if you eliminate all non essential costs.Credit card account templates. Track your credit card interest and protection insurance charges using this spreadsheet which calculates the real annual interest rate charged . Any previous late payment or overdue balance can shift your interest rate into the stratosphere. Keep a close watch on your credit card rates with these spreadsheets.Savings account template. Track your savings interest rate using this spreadsheet which calculates the real annual interest rate credited to your account. Find a higher savings rate and keep
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